Side-by-side · Q2 2026 data
First Federal Savings and Loan Association of Valdosta vs South Georgia Bank
Bank
First Federal Savings and Loan Association of Valdosta
Valdosta, Georgia · $100 million – $1 billion
Metric by metric
| Measure | First Federal Savings and Loan Association of Valdosta | South Georgia Bank |
|---|---|---|
| TellerScore | 57 | 81 (stronger) |
| Capital cushion | 73 (stronger) | 56 |
| Loan quality | 40 | 95 (stronger) |
| Earnings | 53 | 94 (stronger) |
| Funding & liquidity | 47 | 81 (stronger) |
| Problem-loan coverage | 75 | 98 (stronger) |
| Peer percentile | 14th | 80th |
| Total assets | $278.5M | $269.5M |
| Deposits / shares | $208.5M | $241.3M |
| Capital ratio | 12.26% (stronger) | 10.60% |
| Problem loans | 1.79% | 0.16% (stronger) |
| Net charge-offs | 0.02% (stronger) | 0.24% |
| Return on assets | 0.83% | 1.85% (stronger) |
| Loans ÷ deposits | 116.7% | 55.4% (stronger) |
| Uninsured deposits | 17.9% (stronger) | 32.4% |
| Offices | 4 | 5 |
| CFPB complaints (3 yrs) | — | — |
| Complaints per $1B deposits | — | — |
| Mortgage denial rate (HMDA) | 0.0% | 2.4% |
South Georgia Bank has the higher TellerScore (81 vs 57). On the 7 directional measures above (where higher or lower is clearly better), First Federal Savings and Loan Association of Valdosta leads on 3 and South Georgia Bank on 4. Deposits are insured up to $250,000 per depositor, per ownership category, at both.